\begin{tabular}{@{}c@{}}
\begin{tabular}{l*{6}{c}}
\textbf{\textit{Panel B: Present Bias}} \\
&\multicolumn{2}{c}{\textbf{Structural Beta ($\beta$)}}&\multicolumn{4}{c}{\textbf{Ratio Now vs. Later}} \\
\cmidrule(lr){2-3}\cmidrule(lr){4-7}
&\multicolumn{2}{c}{}&\multicolumn{2}{c}{Restricted}&\multicolumn{2}{c}{Unrestricted}  \\
\cmidrule(lr){4-5}\cmidrule(lr){6-7}& Full Sample & New Version  & Full Sample  & New Version & Full Sample & New Version \\
& (1) & (2) & (3) & (4) & (5) & (6) \\
\midrule
Night-Sleep Treatments & 0.01 & 0.05 & 0.01 & 0.05 & 0.01 & 0.05 \\
& (0.03) & (0.05) & (0.04) & (0.06)  & (0.04) & (0.06)  \\
Nap Treatment   & 0.06** & 0.08* & 0.06 & 0.09 & 0.03 & 0.05 \\
& (0.03) & (0.05) & (0.04) & (0.06) & (0.04) & (0.05) \\
\midrule
Control Mean         & 0.92 & 0.89 &  0.87 &  0.81 &  0.88  & 0.81 \\
Control SD           & 0.34 & 0.34 &  0.39  & 0.46 &   0.38  & 0.45   \\
Participants            & 352  & 214 & 352 & 214 &   398 & 252  \\
\bottomrule 
\end{tabular}
\end{tabular}
